🏠 Home insurance cost in Plano, TX (2027)
Estimated average: $4,545 per year — +98% vs. the U.S. average of $2,300.
With about 285,494 residents, Plano is a large city and the #9 largest city in Texas. Home insurance rates here are estimated at $4,545 per year, above the Texas average of $4,370 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Plano with other Texas cities.
Estimate your home insurance in Plano
Plano home insurance estimator
Starts from the Plano estimate. Get quotes to confirm your price.
Plano home insurance FAQ
How much is home insurance in Plano, TX?
The estimated average is $4,545 per year — above the state average (+4% vs. the Texas average of $4,370, and +98% vs. the U.S. average).
Is home insurance more expensive in Plano than elsewhere in Texas?
Plano has about 285,494 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Plano?
Compare at least three quotes from insurers active in Plano, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.